The First National Bank of Beardstown
Beardstown, IL
IDRSSD: 368933
Total Assets
$165.14M
Latest filing
Total Deposits
$141.64M
Latest filing
Net Interest Margin
5.39%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/24/1887 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62618 |
| State and County Number | 17017 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/11/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 3607 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $165.14M |
| Total Deposits | $141.64M |
| Total Liabilities | $142.35M |
| Total Equity Capital | $22.78M |
| Net Income | $1.27M |
| Net Loans and Leases | $95.84M |
| Assets Per Employee ($Millions) | $5.9M |
| Bank Premises and Fixed Assets | $2.64M |
| Cash and Balances due from Depository Institutions | $20.38M |
| Deposits Held in Domestic Offices | $141.64M |
Key Performance Ratios
| Return on Assets (ROA) | 3% |
| Return on Equity (ROE) | 22.81% |
| Net Interest Margin | 5.39% |
| Efficiency Ratio | 53.63% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.797% |
| Earning Assets to total Assets | 90.84% |
Income and Expense
| Total Interest Income | $2.47M |
| Total Noninterest Income | $231.00k |
| Total Interest Expense | $397.00k |
| Total Noninterest Expense | $1.34M |
| Net Interest Income | $2.07M |
| Pre-tax Net Operating Income | $964.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $715.00k |
| Total Liabilities and Capital | $165.14M |
Securities
| Securities | $35.90M |
| Available-for-sale debt securities | $35.90M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank of Beardstown?
$165.14M as of the latest filing.
How much are The First National Bank of Beardstown's total deposits?
$141.64M in total deposits.
Where is The First National Bank of Beardstown located?
Beardstown, IL.
What is the Net Interest Margin?
5.39%.
How many domestic offices does it operate?
3.
When was it established?
02/24/1887.
What is the Return on Assets (ROA)?
3%.
How much are total loans and leases?
$95.84M (latest filing).
What is the total interest income (latest filing)?
$2.47M.